I am getting a offer of a home loan from Santander. I would like to retain the legal services of a Licensed Conveyancer in Sully. Does the Santander Conveyancing panel exclude Licensed Conveyancers?
The Santander conveyancing panel is, like many other lenders, associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
IfI was to buy a simple residential homein Sully mortgage fee and dispense with a survey and no conveyancing searches how much could I expect to to save on my conveyancing in Sully?
Any savings you would achieve would be limited to the Sully conveyancing searches. A property lawyer still be obliged to do everything else - money laundering, communicating with the sellers solicitor, SDLT submission, register the property etc. A slight saving might be made by not having to register a mortgage however it will not be a lot.
Finally the sale completed on my house in Sully last March but our buyer keeps Skype messaging me complaining that her solicitor needs to hear from mine. What are the post completion sale legalities following completion?
After completion of your house sale your solicitor should deliver the transfer documentation and all of the paperwork to the buyer’s solicitors. Depending on the transaction, your solicitor must also send confirmation that the mortgage has been discharged to the buyers conveyancers. There is unlikely to be post completion procedures unique to conveyancing in Sully.
The deeds to our house can not be found. The conveyancers who did the conveyancing in Sully 10 years ago are no longer around. What do I do?
Assuming the title is registered the information relating to your proprietorship will be documented by the Land Registry under a Title Number. It is possible to conduct a search at the Land Registry, locate your house and obtain current copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will also normally hold a file duplicate of the Registered Lease and again, a copy can be obtained for a small fee.
I am purchasing a new build house in Sully with a mortgage from Barclays Direct. The sellers would not reduce the price so I negotiated five thousand pounds worth of additionals instead. The estate agent told me not inform my conveyancer about the extras as it may jeopardize my loan with Barclays Direct. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My father-in-law has urged me to instruct his conveyancing solicitors in Sully. Should I find my own property lawyer?
Much as we are happy to recommend a Sully conveyancing lawyer the best way to choose a conveyancing practitioner is to seek referrals from friends or family who have previously instructed the solicitor that you are contemplating using.